Unique Financing Solutions

BizCapital meets the financial challenges of small businesses. Our expertise lies in developing solutions for companies that may not qualify for financing from conventional sources.

A selection of funding solutions:

Challenge: Borrower needed working capital and wanted to significantly improve cash flow by refinancing rapidly amortizing bank debt, but was not in compliance with bank loan agreement
Solution: $1.8 million SBA term loan was used to refinance bank debt and increase working capital
Impact: Business is now thriving, and 5 new employees have been hired since SBA term loan initiated
Challenge: Borrower had sufficient demand to significantly grow sales, but lacked sufficient collateral to finance working capital and plant expansion requirements
Solution: $3.5 million SBA International Trade Loan was used to acquire new equipment, increase working capital and refinance expensive debt
Impact: Business is seeing export expansion; revenue is on track for significant growth; company has hired 5 new employees; and the refinanced debt has improved cash flow
Challenge: Company cash was used to facilitate a management buyout. However, due to negative financial trends, the borrower’s bank was unable to provide the working capital needed to facilitate a new growth strategy
Solution: $2 million SBA International Trade Loan was used to refurbish equipment, increase working capital and refinance expensive debt
Impact: Through the funding provided by the state’s economic development agency and BizCapital, 420 jobs have been preserved in a rural community
Challenge: Despite a positive profit and cash flow history, the company was unable to obtain construction financing from local lenders when it sought to expand; local lenders thought the building would be vastly over-improved given its location in an industrial setting
Solution: $1.5 million SBA 504 loan structure was used to finance the acquisition of additional real estate and construction that enabled a tripling of the business’ capacity
Impact: Sales have increased 30% and 24 new jobs were created, tripling the employment for this business
Challenge: Borrower wanted to refinance existing debt to lower interest expense and significantly improve cash flow. Due to depressed collateral values, the borrower could not obtain bank financing
Solution: $3 million SBA term loan was used to refinance equipment debt and acquire new equipment; $2 million SBA term loan was used to refinance real estate debt and provide increased working capital
Impact: Borrower projects adding 30 new jobs (a 25% increase) due to a 25% increase in revenues. Cash flow was improved by more than $25,000 per month
Challenge: Company needed working capital to fund a large contract to supply a 1st tier automotive supplier, as well as expanding operations that were being out-sourced; current bank could not provide sufficient resources
Solution: $3 million SBA term loan was used to provide permanent working capital necessary to address a significant increase in sales
Impact: Company has been able to meet the requirements of a long term contract that will increase revenues by 110% and increase employment by 40% (20 new jobs)
Challenge: The borrower was forced to refinance a line of credit with an asset based lender after its commercial bank failed. The borrower needed to refinance this expensive debt source and access additional working capital to facilitate growth
Solution: $2.3 million International Trade Loan working capital term loan, $600,000 ITL real estate term loan, and a $1.8 million sub-debt loan were used to refinance expensive debt and provided needed working capital
Impact: Sales have increased by 33%, investments have been made in marketing in international markets, employment has increased by 10% and cash flow was improved by more than $10,000 per month